Terms and Conditions

Last Updated: November 2025

1. Agreement and Acceptance

By accessing, viewing, or using PexaVerse (the "Site"), you agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy. If you disagree with any provision of these Terms, you must discontinue use of the Site immediately. Your continued access constitutes your acceptance of these Terms in their entirety.

2. Description of Services

PexaVerse is an informational platform dedicated to providing educational content, tools, calculators, and resources related to personal finance, passive income strategies, investment education, and wealth-building opportunities. Our mission is to educate and empower individuals with knowledge to make informed financial decisions. We are not a financial advisory firm, investment broker, or licensed financial institution.

3. Eligibility Requirements

You must be at least 18 years old or the age of majority in your jurisdiction to use PexaVerse. By accessing this Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into binding agreements. If you are under the required age, you may not use this Site.

4. User Accounts and Registration

If you create an account on PexaVerse, you agree to:

• Provide accurate, current, and complete information during registration
• Update your information promptly if any details change
• Maintain the confidentiality of your login credentials
• Accept responsibility for all activities conducted under your account
• Notify us immediately of any unauthorized account access

We reserve the right to suspend or terminate accounts that violate these Terms or contain inaccurate information.

5. Permitted and Prohibited Uses

You agree to use PexaVerse only for lawful purposes. You may not:

• Violate any applicable laws, regulations, or third-party rights
• Engage in hacking, unauthorized access, or disruption of Site functionality
• Upload viruses, malware, spyware, or other harmful code
• Scrape, crawl, or automated data collection without permission
• Infringe upon intellectual property, privacy, or other rights
• Engage in harassment, defamation, or abusive behavior
• Spam, phish, or conduct fraudulent activities

6. Intellectual Property Rights

All content on PexaVerse — including text, graphics, logos, images, videos, source code, software, and design elements — is the exclusive property of PexaVerse or its content licensors and is protected by international copyright and trademark laws. You may view and print content for personal, non-commercial use only. Reproduction, modification, distribution, transmission, republication, or any unauthorized use is strictly prohibited without our written consent.

7. Content Accuracy and Disclaimers

While we strive to provide accurate, current, and reliable information, we make no warranties regarding the completeness, accuracy, or timeliness of any content on PexaVerse. Information is provided for educational purposes and should not be relied upon as the sole basis for any financial, investment, or business decision. Market conditions, tax laws, and other factors change frequently and may affect the accuracy of our content.

8. Financial and Investment Disclaimers

PexaVerse provides general educational information only and does not constitute financial advice, investment advice, or a recommendation to buy or sell any security or investment product. We do not:

• Provide personalized financial or investment advice
• Guarantee any specific investment returns or earnings
• Manage funds or act as a financial institution
• Endorse any investment product or service

All investments carry inherent risk, including potential loss of principal. Past performance is not indicative of future results. Before making any investment decision, consult with a qualified, licensed financial advisor or investment professional.

9. Third-Party Links and External Content

PexaVerse may include links to external websites, applications, or services operated by third parties. These links are provided for convenience only and do not constitute endorsement. We are not responsible for the accuracy, content, security, or privacy practices of external sites. You access third-party sites at your own risk and should review their terms and policies independently.

10. Affiliate Disclosure and Monetization

PexaVerse may participate in affiliate marketing programs and earn commissions when you purchase products or services through our links. This helps support our platform's operation and improvement. Our recommendations are based on independent analysis, not guaranteed financial benefit. We disclose material relationships as required by law and industry standards.

11. Advertising and Sponsored Content

We display advertisements served by Google AdSense and other ad networks. Advertisers may use cookies and tracking technologies to display relevant ads. Sponsored content is clearly labeled as such. We are not responsible for third-party advertising claims or quality. For inquiries about advertising on PexaVerse, contact us directly.

12. Limitation of Liability

13. Indemnification

You agree to indemnify, defend, and hold harmless PexaVerse, its owners, employees, and affiliates from any claims, damages, losses, liabilities, or expenses (including legal fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

14. Termination of Access

We reserve the right to suspend, restrict, or permanently terminate your access to PexaVerse without prior notice if we determine you have violated these Terms, engaged in fraudulent or illegal activity, or posed a threat to the Site or other users.

15. Modification of Terms

We may revise these Terms periodically to reflect changes in our business, applicable laws, or technology. We will update the "Last Updated" date at the top of this page. Your continued use after any revisions constitutes acceptance of the updated Terms.

16. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Bangladesh, without regard to its conflict of law principles. Any legal action or proceeding arising under or related to these Terms shall be subject to the exclusive jurisdiction of the courts located in Dhaka, Bangladesh.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, or if that is not possible, shall be severed. The remaining provisions shall remain in full force and effect.

18. Contact Information

For questions, concerns, or requests regarding these Terms and Conditions, please contact us:

Acknowledgment: By continuing to use PexaVerse, you acknowledge that you have read, understood, and fully accepted all provisions of these Terms and Conditions.